if you give them an opportunity to save extra money, to pay off debt, to pay off student loans, it's going to be wonderful for them long term. >> let's talk about how much money they can save. a kid in the house is essentially not having to pay rent. you're not paying for a lot of electricity, all this stuff. so a kid graduates, we're just using this example, $25,000 a year after they graduate. now how much are they going to actually save? how much can they save if they go back to the house with mom and dad? >> that's a great question. let's take that example. a kid make $25,000 after tax, they're going to make about $20,000 a year which is about $1600 a month. if you live on your own, let's say you get an apartment for $750 a month and utilities and expenses of $250 much that's going to put you about $600 for living expenses, you know, food, clothing, entertainment. but if you live at home, can you take $1600 a month and put it towards student loans, emergency fund, put it towards saving. this is the benefit of living at home.